Lending Agility and Innovation For A Best in Class Digital Bank of the Future

Sponsored by: Atos

Focused on:

  • Digital Banking
  • Competitive Lending

Date: 23 May


Time: 3PM London/10AM New York

Retail Loan Factory

The lending industry is facing huge challenges including transforming speed to market for new marketing products and channel partners which typically takes many months, high cost of IT significantly impacting profitability and the complexity of fulfilling regulatory changes. Finally, monolithic legacy IT is unable to react to new requirements quickly in the context of rising competition, for example with many new entrants in the market such as FinTechs.

Building a best in class lending digital banking business is the key to future success. Specifically:
• Understanding the critical characteristics of a hyper competitive lending business model
• Using a modern business solution approach designed for agility and innovation
• Leveraging industrial scale deployment models such as SaaS and Business Process as a service to release investment focus for business differentiation.

In order to survive intensified competitive threats and enhancing future performance, building a best in class digital lending business is mandatory, not optional. Create the digital lending platform of the future in as little as 4-6 months. Register for the ‘Lending agility and innovation for a best in class digital bank of the future’ webinar now, to see how you can transform your business.

Presented by

Kuldip Singh Chiheru,

Strategic GTM Head, Global Financial Services, Atos

• 2016-2017 Atos Strategic GTM Head - Loans
• 2015 – 2016 Atos FS Global Solutions Head
• 2012 – 2015 Global FS Bus Development Head
• 2008 – 2012 Global FS Market leader
• 2001- 2008 KPMG & Atos KPMG FS Advisory
• 1997-2001 ICAP eTrading Program Lead
• Prior: HSBC Midland International Banking

• BSC (Hons) Chemistry
• MSc Information Technology
• MBA Aston Business School

Andy Efstathiou,

Director – Banking Sourcing Program, NelsonHall

Andy is the Banking Sourcing Research Director at NelsonHall where he has global responsibility for:

• Retail and Commercial Banking BPS
• Capital Markets BPS
• RPA, AI, and FinTech services in Banking, including consulting, design & deploy, and operations support.

In this key role, Andy assists both buy-side and vendor organizations in assessing opportunities and supplier capability across Banking services, including in the areas of Core Banking, Payments, Mortgages & Loans, Securities Processing, KPO, and Multi-Process BPS.

Andy joined NelsonHall in September 2005 after gaining extensive financial management experience at global banks, and consulting to financial institutions prior to joining NelsonHall. Andy's operational experience includes key roles managing the customer and counterparty operations with other financial institutions. He then worked in a consulting capacity, advising regulatory agencies and investment banks on operational issues and business performance.

B.A. Economics Harvard College (mcl)
M.B.A. Stanford

Laurent Clerc,

CEO Circeo

⚫ 1998-2013: Founder and CEO of Statlogics, sold to an international IT group
⚫ 1995 - 1998: Director of Risk Management, Cetelem (Hungary)
⚫ 1992 - 1995: Head of Scoring team, Groupe Renault Crédit International (Italy and France)

⚫ Economist and Statistician, Ecole Nationale de la Statistique et de l’Administration Economique, Paris (France) –
⚫ SciencesPo Paris

Key Learning Objectives

  • Understand the characteristics of a hyper competitive best in class lending business model
  • How to deploy a modern business solution designed for agility and innovation
  • How to build a business case for a best in class lending business model
  • How to leverage industrial scale deployment models for accelerating transformation


  • Head of Consumer Lending
  • Head of Retail Lending
  • Head of Retail Products
  • CEO / COO in Retail Lending
  • Head of Retail Digital Innovation
  • Head of IT Retail (CIO)
  • Head of Channel Partnership
  • Head of Distribution
  • Chief Marketing Officers
  • CIO’s/CTO’s